Effective Date: January 2, 2021
This Privacy Policy explains how Christian Debt Counseling (“we,” “us,” “our,” or “the Site”) collects, uses, discloses, and protects personal information when you visit the Site, submit a form, call or text us, or interact with our advertising. By using the Site, you agree to this Policy.
Information we collect
We collect information you provide directly and information collected automatically.
Information you provide may include:
Contact information (such as name, email, city, state, and zip)
Debt information (such as estimated amount, types of debt, or hardship details)
Preferred contact method and time
Consent records (such as checkboxes, timestamps, IP address, and user agent)
Communications with us (such as calls, texts, or emails), including recordings where permitted
Information collected automatically may include:
Device and usage data (such as IP address, browser, pages viewed, referring/exit pages, and time on site)
Cookies, pixels, and similar technologies for analytics and advertising
How we use information
We use personal information to:
Provide information about debt relief options and route your inquiry to one or more independent providers
Communicate with you by phone, SMS, and email (including autodialed or prerecorded calls where you consent)
Improve the Site, content, and marketing (including analytics and ad retargeting)
Comply with law, enforce terms, and prevent fraud or abuse
Sharing and disclosures
We may share personal information with:
Independent debt relief providers who may contact you directly to offer their services. Once transferred, your information is governed by that provider’s privacy policy.
Service providers who support our Site (such as hosting, analytics, CRM/lead management, call/SMS platforms, email service, and consent logging).
Advertising and measurement partners to measure performance and display relevant ads.
Government, law enforcement, or others when required by law.
We do not sell personal information for money.
Your choices
You may opt out of emails by using the unsubscribe link, or opt out of texts by replying STOP. You may also request changes or removal of your information at any time by using our Contact Us link.
TCPA and consent to contact
By entering your phone number and clicking submit, you agree and consent to be contacted at that number by us and our partners using autodialed, prerecorded, or artificial voice calls and text messages for marketing and servicing. Consent is not required to purchase goods or services. Message and data rates may apply. You may opt out at any time as described above.
Call recording
We may monitor or record calls for quality assurance, training, and compliance, where permitted by law. By continuing with a call, you consent to recording.
Children’s privacy
The Site is not directed to children under 13 (or under 16 in certain states). We do not knowingly collect information from children.
Data retention
We retain personal information only as long as necessary to provide services, comply with legal obligations, and maintain consent records.
Security
We use reasonable safeguards to protect information. No method of transmission or storage is completely secure.
Third-party links
The Site may link to third-party websites. We are not responsible for their content or privacy practices.
International users
The Site is intended for users in the United States. If you access it from outside the U.S., your information may be processed in the U.S. with different privacy protections.
Changes
We may update this Policy at any time. The Effective Date shows the latest revision.
Contact us
For questions or requests regarding this Policy, please use our Contact Us link.